Behavioural Economics.
The Psychology behind why we work.
We replace pressure, with evidence based recognition.
Our platform applies proven behavioural science principals that promote faster, voluntary payment without collections, coercion or credit risk.
Loss Aversion
Customers are more motivated to act responsibly when there is risk of losing a reward.
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Optimism Bias
We all want and think the best will occur to us - Reward opportunities for customers who pay on-time are no different.
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Operant Conditioning
Better payment behaviour can be shaped by positive outcomes, like being acknowledged for paying bills faster.
Free Effect
Rewards are free for payers. This increases the value they place on paying their bills on time.
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Iterative Reinforcement
By repeatedly rewarding on-time payments across the nation, we shape lasting habits that create better paying customers.
Social Bandwagoning
When a customer pays early and earns a reward, they share the news. Others adopt the behaviour, reducing late payments and accelerating your cashflow.
For as low as 0.98%, you can prevent greater loss to your cashflow.
Reduced late payments
57%
Up to 57% of payment failures prevented with a behavioural nudge.*
Increased lifetime value
4X
Connected customers stay up to 4X longer and deliver 3X higher lifetime value*
More motivating to spend
2X
Positive rewards inspire action, engagement, and lasting change.*
Why it matters.
B2B payment defaults surged 42% year-on-year.
Late payments cost Australian SMEs over $1.1B every year.
(Xero)
Over 40% of SMEs say most invoices are paid late.
Financial wellness starts with healthy habits.
By recognising prompt payers through deterministic, milestone-based rewards, we reinforce behaviours that reduce reliance on credit and accelerate cashflow naturally.
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Grounded in behavioural science, our model applies the principles of reward prediction and reinforcement learning, where each successful payment contributes to a reward that feels good, strengthens the neural link between action and outcome, whilst creating healthy habit loops.​
Others Punish. We Reward.
Brumby Pay’s platform uses deterministic, milestone-based reward pathways designed to ethically support voluntary, on-time payment behaviour. All rewards are issued post-payment only and are not contingent on chance, inducement, or coercion. Our behavioural design aligns with Australian Consumer Law and prioritises transparency, fairness, and user autonomy at every step. ​​Terms & Conditions - Privacy Policy - Help